Your home has value — put it to work for you. Whether you’re planning renovations, consolidating debt, or preparing for what’s next, AmeriChoice makes it simple with competitive rates and local lending expertise.
Smart Uses for Home Equity
A Home Equity Loan or Home Equity Line of Credit (HELOC) can be used for more than just home improvements. Put your home’s equity to work where it matters most:
Home Improvements: Fund repairs or upgrades that enhance your home’s value.
Debt Consolidation: Roll multiple high-interest debts into one manageable monthly payment.
Emergency Fund: Prepare for unexpected medical bills, major expenses, or seasonal costs.
Business Ventures: Launch or grow your business with more flexible terms than many traditional loans.
Fixed loan or flexible credit line
Borrow Smarter with Home Equity.
Whether you’re remodeling your home, paying off debt, or covering life’s major moments, a Home Equity Loan or HELOC from AmeriChoice offers stability, flexibility, and peace of mind.
Home Equity Loan
• Competitive fixed rates for predictable monthly payments • Borrow up to 100% of your home’s equity • Flexible terms to fit your timeline and budget • Fast, local decisions from lending experts who understand your goals
Home Equity Line of Credit (HELOC)
• Revolving credit line you can draw from as needed • Variable rate for maximum flexibility • Borrow up to 80% of your home’s equity • Ideal for long-term projects or unpredictable expenses
Why AmeriChoice?
Local mortgage and lending experts you can trust
Flexible options to fit your goals and budget
Trusted partner for life’s big financial moments
Put Your Home’s Equity to Work Turn the value you’ve built into opportunities that move you forward — with AmeriChoice by your side.
Home Equity Installment Loan First payment may be deferred up to 90 days; interest accrues during deferral. Fixed-rate terms up to 15 years. Minimum loan amount $5,000. Financing up to 100% of market value, less existing liens. Secured by real estate; property insurance required (flood insurance may be required). $5,000 or more in new money required to refinance existing AmeriChoice equity loans. Subject to credit approval. Federally insured by NCUA. Equal Opportunity Lender.
People Helping People. As a not-for-profit, member-owned financial institution, AmeriChoice is passionate about providing superior service and value – for you!
